How to Create Your Psira Profile for Security Officers and Businesses
Why Should I claim my profile?
This is to ensure that you are able to access PSiRA’s services online and in order to do so you need to have a profile. Services available include renewal of certificates, uploading of course reports by training centres, renewal of business certificates.
Claiming your Psira profile online through the official provided web address is free of charge.
Do not pay anyone to do it for you. According to the Security Authority (Psira) all security officers and businesses that existed before the online system was introduced should do well to claim their profiles as soon as possible.
The Authority of the Private Security Industry Regulatory Authority has enabled the PSIRA Profile login . Follow these simple steps to Access and use the portal .
Follow the below steps to access the Registration Portal.
- First Visit https://onlineservices.psira.co.za
- Once you are on the homepage, click on “NEW BOOKING”
- Now fill in all the required information and click on “Register”.
- An activation code will be sent to you. Click on the link provided to activate your account.
- To log in to your new PSIRA account, use the username and temporary password supplied in the email or SMS.
- The system will ask you to change your password after your first login.
How to Login as an Existing User On PSIRA Portal
- Open your internet browser
- Visit PSIRA Online Portal to continue with the process.
How To Reset Forgotten Password On PSIRA Portal
- To reset your password, fill in your registered email address and reset your password by clicking forgot password on the login page.
PSIRA Online Booking Portal
- PSIRA Login Portal: https://onlineservices.psira.co.za/onlinebooking/bookingview
PSIRA Contact Address
| POSTAL | Private Bag X817, Pretoria, 0001 |
|---|---|
| PHYSICAL | Eco Glades 2 Office Park, Block B, 420 Witch-Hazel Avenue, Highveld Ext 70, Centurion |
| TEL | 012 337 5500 / 086 107 7472 |
| FAX | 012 326 6128 / 086 242 7180 |
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Tax and Insurance in South Africa: What You Need to Know in 2025
In South Africa, understanding the relationship between tax and insurance is essential for protecting your financial future and making the most of available tax benefits. Whether you're an individual, a freelancer, or a business owner, the smart use of insurance can help you reduce your tax liability and safeguard your assets.
Why Insurance Matters for Tax in South Africa
Insurance is more than just a safety net—it can also have a direct impact on your tax situation. From medical insurance to business insurance, certain premiums and policies may qualify for deductions or influence how you declare your income and expenses to SARS (the South African Revenue Service).
- Tax Deductions: Certain insurance premiums, especially related to medical schemes and business cover, may offer tax advantages.
- Asset Protection: Insurance helps manage risk, ensuring you’re financially secure when unexpected events occur.
- Estate Planning: Life insurance can play a key role in reducing estate duty and ensuring a smooth transfer of wealth.
Types of Insurance and Their Tax Implications
1. Medical Insurance (Medical Schemes)
If you're contributing to a registered medical aid, you're entitled to a Medical Scheme Fees Tax Credit (MTC). This credit is a fixed amount per month for you and your dependents and reduces your overall tax liability.
2. Life Insurance
While life insurance pay-outs (on death) are generally not subject to income tax, they can be considered when calculating estate duty. Policies structured under a trust or with specific beneficiaries may help reduce the overall tax burden on your estate.
3. Short-Term Insurance (Vehicle, Home, Contents)
Personal short-term insurance is not tax-deductible for individuals. However, if you use part of your home or vehicle for business, the portion of insurance premiums related to business use may be claimed as a business expense.
4. Business Insurance
For companies and self-employed individuals, business insurance premiums—such as professional indemnity, commercial property cover, or key person insurance—are usually tax-deductible as operating expenses.
5. Disability and Income Protection Insurance
The tax treatment of disability insurance changed in recent years. Payouts from income protection insurance are now generally taxed as income, but premiums are not tax-deductible. Understanding this shift is important when planning your cover.
Tax Tips to Maximise Your Insurance Benefits
- Keep Detailed Records: Always keep documentation of insurance premiums, especially those linked to business or medical expenses.
- Consult a Tax Practitioner: SARS regulations around insurance and tax can be complex. A registered tax advisor can help ensure you claim all available deductions correctly.
- Review Policies Annually: Update your insurance portfolio regularly to ensure your cover aligns with your income, expenses, and current tax laws.
- Use Structuring Wisely: For high-net-worth individuals, structuring life insurance policies within a trust can reduce estate duty exposure.
Frequently Asked Questions: Tax and Insurance in South Africa
Q: Can I deduct life insurance premiums from my South African taxes?
A: No, life insurance premiums are generally not deductible. However, they may play a key role in estate planning.
Q: Are medical aid contributions tax-deductible?
A: Not exactly. Instead, you receive a Medical Tax Credit—a fixed monthly rebate that reduces your tax payable.
Q: Can I claim car insurance as a tax deduction?
A: Only if the vehicle is used for business purposes. You can claim the business-use portion of your vehicle insurance.
Q: Is business insurance tax-deductible in South Africa?
A: Yes. Business insurance premiums related to company operations are generally tax-deductible.
Final Thoughts
In South Africa, insurance isn't just about protection—it's a strategic tool for managing your tax liability, preserving wealth, and supporting long-term financial stability. Whether you’re reviewing your medical insurance, planning your estate, or choosing the right business insurance, it’s essential to understand how these choices affect your tax outcomes.
With the right advice and a well-structured insurance portfolio, you can reduce your tax bill while ensuring comprehensive protection for yourself, your family, or your business.